Lending is all about relationships, especially when it comes to exceptions and tricky deals.It generally doesnt hurt to interview lenders and apply with 2-3 of them at the same time.

You can only play games for so long.Chances are your next door neighbor is an IRS agent and turns you in when your tenants blocks their drive or some other random event disturbing your IRS neighbor.ADU catches fire and your insurance won't cover you, because it was an illegal and unpermitted structure.The city inspector told the last guy not to build or rent it, and is now pissed and wants to make an example of you and just red tags the whole property and no one can occupy for the next 1-2-3 years while you wait for a hearing.Then when you get the hearing, "staff" recommends you tear the whole structure down, and if you still want an ADU, you can apply for a permit and rebuild it.Your tenant quits paying rent and won't move out and you can't evict them, because there is no valid lease and they're just your "roommate".Probably a dozen other bad things can happen to you when you do stuff like this. 

I'm going to see where I can apply my knowledge I'm still a young padowon haha

Are you talking about applying for a mortgage in the US?

Contingency:No need to go through the same process to illustrate contingency but contingent funds can be applied to the loan interest example above.

When you do that groups of people will apply, rather than random individuals.

They can't see what's not obvious.Keep it simple is some of the best life advice and definitely applies to someone's first deal.

Additionally, the right of redemption only applies if the property was owner occupied during the 90 days prior to the sale and this is not the case here. 

Have you tried to apply for conventional mortgage when you have a lot of rentals?

These expenses can create a paper loss, which may offset other passive income or carry forward to future years.If you qualify for Real Estate Professional Status (REPS) or actively manage a Short-Term Rental (STR), the losses can be applied against your active W-2 or business income, reducing your overall tax liability.